AngelinaCatHub....your reponse to OP's question

[2live]

on "timing and filing" thread helped me understand this process a whole lot more, very succint and to the point. But I have a couple of questions: At the time of filing (and I understand it's done online by the attorney) is that when you bring a copy of THAT dates bank statement or at the 341?

Also, from the date of filing till the 341 and thru the 60 day wait, will I still have to monitor what comes out of my checking acct like say a misc. purchase for $120.00 at Walmart or online purchase that is clearly not a need? I hear that the day of filing is a "snapshot" of my finances that the BK trustee is going to go by but beyond that date, is there still a need to be diligent/paranoid about my bank acct?
Thank you,
Pat

[LuciluS]

I'd like to know the answer to this question also. Am I correct in that it is a 'Snapshot' of your Bank Account and does not include checks you've written BUT have not cleared the bank?

Luci

[JoeBankrupt33]

Your bank statements do not go with your original filing. You should get a letter from your trustee that tells you everything that he wants you to bring to the 341. This will probably include your bank statements for a period of time, usually 3 to 12 months worth. As for your diligency after filing, I would not do anything too crazy, like depositing large amounts of cash or making big purchases. But, you shouldn't worry about $120 at walmart.

[JoeBankrupt33]

I'd like to know the answer to this question also. Am I correct in that it is a 'Snapshot' of your Bank Account and does not include checks you've written BUT have not cleared the bank?

Luci

When they look at your balance on the date you file, they do not take into account any uncashed checks or debits.

So, if you need to make sure something cashes, use money orders if you can, or take out cash for small purchases. Just keep all of your records that show where the money is going.